HTBHomeTrust Bancshares, Inc.
Savings Institution, Federally Chartered
- Revenue
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- Operating margin
- —
- EBITDA
- —
- Market cap
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- Employees
- —
- Net debt / EBITDA
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- AI in 10-K
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Red flags 2 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashFired77% of net incomeCash flow under 80% of net income
- Dilutive SBCFired21% of revenueOver 10% of revenue
- Payouts exceed cash flowClear44% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $10M | — | — | — | — | |
| Net income | $16M | $36M | $45M | $55M | $64M | 18% |
| Operating cash flow | $10M | $39M | −$33M | $45M | $49M | 8.9% |
| Capex | $16M | $7M | $3M | $3M | $4M | 37% |
| Stock-based comp | $2M | $2M | $2M | $2M | $2M | 20% |
| Buybacks | $16M | $43M | $0 | $645K | $14M | 2010% |
| Dividends | $5M | $5M | $6M | $8M | $8M | 9.3% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | — | — | 270 | 249 |
| FY2024 | — | — | 212 | 194 |
| FY2023 | — | — | 133 | 125 |
| FY2022 | — | — | 160 | 136 |
| FY2021 | — | — | 179 | 168 |